What to Do After an Accident in a Company Vehicle  

Accidents involving company vehicles can be complex, especially when it comes to navigating insurance responsibilities. Whether you’re a delivery driver, sales representative or technician on the road, it’s essential to understand the proper steps to take immediately after a collision.

Actions to Take After an Accident in a Company Vehicle

The following steps should be taken after an accident in a company vehicle:

• Prioritize safety above all else. Begin by checking for any injuries and, if necessary, call emergency services immediately. If it’s safe to do so, move the vehicle to a secure location to avoid further hazards.

• Alert the proper authorities. If the accident involves injuries or substantial damage, it’s essential to notify the police. An official report can be a key piece of documentation when filing an insurance claim.

• Record important details at the scene. Capture clear photographs of all vehicles, any damage, the surrounding road conditions and any visible injuries. Exchange names, contact information and insurance details with the other parties involved. If there are witnesses, try to obtain their contact information and a brief account of what they saw.

• Inform your employer immediately. Contact your supervisor or manager as soon as possible. Most companies have protocols for handling accidents, including designated insurance contacts.

• Review the company’s insurance policy. Company vehicles are typically covered under commercial auto insurance. This policy may include liability, collision and comprehensive coverage. Your employer should file the claim, but you may be asked to provide a statement or documentation.

• Cooperate with the insurance investigation. Be honest and thorough when providing information. Refrain from accepting blame at the scene; allow the insurance providers to assess and determine who is at fault.

• Follow up. Stay in contact with your employer and the insurance adjuster to track the claim’s progress and ensure all necessary paperwork is completed.

Following these steps can help ensure a smooth insurance process and protect your legal and financial interests after an accident in a company vehicle.

Learn More

For more commercial insurance guidance, contact AIC Insurance Agency - Medford.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.